Privacy Policy

This Privacy Policy explains how Benefitexcel (“Benefitexcel,” “we,” “us,” or “our”) collects, uses, discloses, and protects personal information when you visit this website, submit a form, request a commercial insurance review, or otherwise communicate with us. Benefitexcel is an independent commercial insurance agency operating in the State of Texas.

1. Information We Collect

We collect information you provide directly through our forms and communications, including:

• Contact information — full name, business email, phone number, ZIP code.
• Business information — company name, industry, location, current insurance carrier, coverage type, renewal date.
• Communication history — records of phone calls, SMS, emails, and online chats with our agents.
• Technical data — IP address, browser type, device identifiers, referring URL, and analytics events collected automatically.

We do not knowingly collect information from anyone under the age of 18.

2. How We Use Your Information

We use the information described above to:

• Prepare and deliver your requested commercial coverage audit and quote comparison.
• Contact you by phone, SMS, or email regarding your inquiry, including with autodialed or prerecorded messages where you have provided consent.
• Verify identity, prevent fraud, and comply with applicable insurance regulations.
• Improve our website, services, and marketing.

3. How We Share Your Information

We do not sell your personal information. We may share information with:

• Licensed insurance carriers and underwriters, solely to obtain quotes and place coverage at your request.
• Service providers who help us operate our business (hosting, CRM, analytics, email/SMS delivery) under confidentiality obligations.
• Government authorities or regulators when required by law or to protect our rights.

4. SMS & Phone Communications

By submitting your phone number, you consent to receive calls and text messages from Benefitexcel, including from an automatic telephone dialing system and with prerecorded or artificial voice messages, at the number you provided. Consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or by asking to be removed during a phone call.

5. Cookies & Analytics

We use cookies and similar technologies to operate the site, remember your preferences, and measure the performance of our marketing. You may disable cookies in your browser settings; some site features may not work as expected if you do so.

6. Data Retention

We retain personal information as long as necessary to fulfill the purposes described in this Policy, comply with our legal and regulatory obligations under Texas insurance law, resolve disputes, and enforce our agreements.

7. Your Rights

Depending on your state of residence, you may have the right to request access, correction, or deletion of your personal information, or to opt out of certain uses. To exercise a right, contact us using the details below. We will verify your identity before processing your request.

8. Security

We use reasonable administrative, technical, and physical safeguards to protect the personal information we collect. However, no method of transmission over the Internet is 100% secure.

9. Third-Party Links

Our website may link to third-party sites we do not control. Their privacy practices are governed by their own policies, not this one.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top of this page will reflect the most recent revision.

11. Contact Us

Benefitexcel — Independent Commercial Insurance
Corpus Christi, Texas
Phone: (361) 808-4988
Web: benefitexcel.com